ExH grand gestures that cost me money

[Lonecatwithkitten]

It is a while since I have posted here as DD is about to be 20 so contact with ExH is virtually zero.
She arrived home this morning early, she works in a club part time and says 'oh Dad asked me to check if this necklace he has given me needs to be individually listed on your insurance' .
This is the man who felt he needed to take the may after DD was 18 to the August as a sabbatical as a rest as he had worked so hard during Covid so he didn't have to pay maintenance for those last 4 months. He had worked around 25 hours a week during covid whereas I regularly was working 52 hours a week as a key worker that had to provide a 24/7 service through out. No option for me to take a sabbatical as DD still needed a roof over her head and to be fed.
Guess what the necklace will needed to be individually listed to be covered all risks and my insurance will go up. It is nice, but definitely not DD's style so she is unlikely to wear it in the near future.
I know DD sees through the grand gestures and knows who is here for her no matter what, but next week is a very busy period for me at work and now I have to find time to phone the insurance company and sort this out.
The most galling part of the whole thing is that when we were together he insisted that he knew better about insurance and didn't individual list items - we had a burglary and were under insured.

Many home policies cover individual items upto £1000.00.

I would only bother insuring it if it cost £5000 upwards, otherwise the premiums quickly add up and after a few years you would have ended up paying almost the cost of replacing it.

Bloody hell.
Why are you even entertaining this?
There's no way in hell I'd be individually listing it on my insurance and paying the increase in premium because of it.
Your daughter is 20. She can a) insure it herself, b)ask her dad to insure it separately c) tell him it is to live at his place and he can sort out the insurance.

By that age I was paying my own special insurance for my musical instruments - not expecting my parents to pay for it. I'm not saying your DD is expecting you to do that, just pointing out that a 20 year old is perfectly capable of arranging insurance for items of particular value.

She can get her own surely. I have stuff with their own insurance rather than put it on the main one. Just simpler than way sometimes.

If it’s not her style then surely she won’t be all that bothered if it gets nicked?

Just because someone is trying to make something be your problem, does not mean you need to accept. There is no need whatsoever to indulge in this non-issue, just laugh and decline the offer. It’s between your adult daughter and her father, either one of them can choose to insure it themselves.

If she doesn't like it I'd persuade her to sell it, bank the money until she finds something she does want and like.

Don't get involved in this it's not your problem.

By getting involved you infantilise your adult child.